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Payroll & Gratuity

WPS in the UAE

The UAE Wages Protection System under Ministerial Resolution No. 340 of 2026: who must use it, the 85 per cent rule, and the day 2 to day 21 penalty ladder.

wps in uae

The Wages Protection System is the UAE's mandatory electronic salary-transfer channel: every establishment registered with the Ministry of Human Resources and Emiratisation must pay wages through a bank, exchange house or financial institution authorised by the Central Bank. It is governed by Ministerial Resolution No. 340 of 2026, which requires at least 85 per cent of total wages due to be transferred on time.

Basis: The Official Portal of the UAE Government (u.ae)

Instrument currently governing WPS
Ministerial Resolution No. 340 of 2026

UAE Government Portal, Payment of salaries/wages, updated 12 August 2026

Instruments most third-party pages still quote
MR 43 of 2022, as amended by MR 346 of 2022

Still linked from the UAE Government Portal's protection-of-workers'-rights page

When last month's wages fall due
The first day of each Gregorian month

Ministerial Resolution No. 340 of 2026, as summarised by the UAE Government Portal

Share of total wages due that must be transferred on time
At least 85%

Ministerial Resolution No. 340 of 2026, as summarised by the UAE Government Portal

First hard consequence of a late payment
New work permits suspended on the 5th day after the due date

Penalty table published by the UAE Government Portal, sourced to MR 340 of 2026

Administrative fine for late wages
Not stated on this page

The Government Portal points to Cabinet Resolution No. 21 of 2020 without an amount; we could not open it

#What WPS stands for, and the resolution that now governs it

WPS stands for the Wages Protection System. The UAE Government Portal and the Ministry of Human Resources and Emiratisation use both "Wages Protection System" and "Wage Protection System" for the same regime, so the two spellings are not two schemes. It is an electronic salary-transfer and monitoring database developed by the Central Bank of the UAE, through which establishments registered with MoHRE pay their employees, using banks, exchange houses and financial institutions the Central Bank has authorised to provide the service. Its purpose is to give the Ministry a record, month by month, of whether wages were paid in full and on time.

The instrument behind it has changed, and that is the first thing to check before acting on anything else written about WPS. The Government Portal's payment-of-salaries page, updated 12 August 2026, states that wages are paid in accordance with Ministerial Resolution No. 340 of 2026 concerning the Wage Protection System, and attributes both the 85 per cent transfer rule and the entire penalty table to it. Almost every third-party explainer still quotes Ministerial Resolution No. 43 of 2022 and its amendment, Ministerial Resolution No. 346 of 2022. If the page you are reading dates its rules to 2022 and never mentions 2026, treat its figures as unverified rather than as merely old.

We have not read the Arabic text of Resolution 340 ourselves. The Government Portal links it as a PDF hosted on mohre.gov.ae, and that host returned nothing to any request from our network on 17 August 2026. Everything attributed to Resolution 340 on this page therefore comes from the Government Portal's own summary of it: a primary government source, but a summary. Statement current at 17 August 2026.

Which WPS instrument to cite, and which to stop citing — checked 17 August 2026
InstrumentStatus
Ministerial Resolution No. 340 of 2026 on the Wage Protection SystemCurrent. Named by the UAE Government Portal as the resolution under which wages are paid, and as the source of the penalty table.
Ministerial Resolution No. 43 of 2022 on the Wages Protection SystemSuperseded as the governing instrument, and still the one quoted by most third-party guidance.
Ministerial Resolution No. 346 of 2022The amendment to MR 43 of 2022. Still linked from the Government Portal's own workers'-rights page, which is where the conflict below comes from.
Ministerial Resolution No. 209 of 2022Live and load-bearing: the 2026 penalty table uses it for reclassifying an establishment into the Third Category.
Cabinet Resolution No. 21 of 2020 on service fees and administrative fines at MoHRENamed as the source of the administrative fine for late wages. We could not open it, so no amount appears on this page.

#Is it mandatory, and which employers and workers fall outside it

Yes, and the obligation attaches to registration rather than to size. The Government Portal states that all establishments registered with MoHRE must pay their employees' wages on the due date through the Ministry's Wage Protection System. There is no small-employer threshold in the published exclusions: a company with three staff is inside the system on the same terms as one with three thousand, and the worker-count thresholds that do appear in the rules govern how far enforcement escalates, not whether the duty applies.

The cycle is fixed. Salaries for the previous month fall due on the first day of each Gregorian month, and the employer must transfer at least 85 per cent of the total wages due to its employees on time, where lawful deductions apply. Payment may be made in UAE dirhams, or in another currency where that is agreed between the parties in the employment contract. Non-compliance is not a self-contained problem either: the Government Portal's work-permit page states that MoHRE may refrain from issuing or renewing, or may cancel, work permits where an establishment is not compliant with the Wages Protection System, and that the A, B or C classification which sets what an establishment pays for a work permit reflects its compliance with WPS among other things.

The exclusions below are the complete published lists. They are narrow, specific, and mostly situational — a worker is outside the system because of something true this month, not because of the kind of job they hold.

Employees excluded from WPS

Workers who filed a wage-related labour complaint that has been referred to the judiciary; workers reported absent under a work-abandonment report; workers whose freedom is restricted by an order or judgment of a competent authority, for the period during which work cannot be performed, provided the Ministry is notified with supporting documents and without prejudice to wages already due; workers on unpaid leave, where supporting documents have been submitted to MoHRE; seafarers working on vessels, on the establishment's request and in accordance with the Ministry's decision; foreign workers employed by foreign establishments or their UAE branches who receive their wages outside the UAE, on the establishment's request and with the workers' approval; and holders of mission work permits not exceeding three months.

Employers excluded from WPS

Four categories only: UAE nationals owning fishing boats; UAE nationals owning public taxis; banks and financial institutions; and houses of worship. Nothing else on the published list removes an employer from the system. In particular, being newly licensed, being a branch of a foreign parent that pays from abroad, or paying staff in a currency other than the dirham does not by itself take an establishment outside WPS — the first two have narrow, conditional carve-outs on the employee list above, and the third is expressly permitted inside the system where the contract provides for it.

#The agent bank or exchange house, and what actually moves each month

WPS is not a portal the employer pays into. It is a monitored channel that runs through a licensed intermediary, and choosing that intermediary is the one commercial decision in the whole process. Salaries of private sector employees are transferred through banks, exchange houses or financial institutions authorised by the Central Bank of the UAE to provide the service — the institutions usually described as WPS agents. The system itself was developed by the Central Bank, which is what allows MoHRE to hold a database of private-sector wage payments and monitor compliance against it.

In practice three parties are involved every month. The employer instructs its agent with a payroll file covering the establishment and its registered workers. The agent executes the transfers into accounts held at institutions able to receive them, and transmits the payment record into the system. MoHRE reads that record: electronic monitoring of the establishment runs from the due date and continues until payment is proven. Nothing is filed with the Ministry directly, which is why an employer that changes bank, or that adds a worker whose registration details do not match the Ministry's records, discovers the problem as a compliance failure rather than as an error message.

We name no WPS providers on this page. There is a real list of authorised institutions, but it is the Central Bank's to publish, its composition changes, and a stale list of banks and exchange houses is worse than none. Ask the Central Bank or your own bank which of its services is WPS-authorised, and confirm it in writing before the first cycle rather than on the first day of the month.

The salary information file, and why no field layout appears here

The payroll instruction reaches the system as a structured file, commonly called the salary information file or SIF. Its specification is issued by the Ministry and the Central Bank to the institutions acting as WPS agents; it is not published as a consumer download, and we could not open a current copy. This page therefore prints no field list, no delimiter, no header layout and no record counts. Get the current template from your agent in writing. Layouts circulating on third-party sites are frequently several revisions old, and a file the system rejects is a payment that did not happen — the escalation clock in the next section runs on the due date, not on the date you found out.

Accounts, salary cards, and workers who have no bank account

A WPS transfer has to land somewhere, so every worker in the file needs an account with an institution able to receive it. Where a worker has no bank account, that account is normally provided through the agent itself, which is what the search for a "WPS card" is usually reaching for. These are commercial products of individual banks and exchange houses rather than features of the resolution, and no primary specification of them was reachable from our network, so this page describes no card, no fee and no issuer. What the law does fix is the destination test that matters: the transfer must go through an institution the Central Bank has authorised for the purpose. Cash, a cheque or a transfer through an unauthorised channel is not a WPS payment, however genuinely the money was handed over.

#A compliant month, in order

The compliance work is front-loaded. Almost every WPS failure that reaches the Ministry began days earlier as a registration mismatch or a file lodged too late to be fixed, not as an employer deciding not to pay.

  1. Register the establishment and every worker with MoHRE

    The duty applies to establishments registered with the Ministry, and the wage file is checked against the Ministry's record of who works there. A worker whose work permit, name or identifier does not match will not reconcile. MoHRE issues thirteen types of work permit and may refuse, decline to renew or cancel any of them where the establishment is not WPS-compliant, so registration and compliance are the same file, not two.

  2. Appoint a Central Bank-authorised agent and get the current file specification

    Contract with a bank, exchange house or financial institution authorised by the Central Bank to provide the service, and ask it in writing for the current salary information file template. Do this before the first payroll rather than during it.

  3. Fix the wage figures the file will carry

    The file carries the wage due for each worker. Lawful deductions are applied here; anything else is a shortfall. Wages may be paid in dirhams or, if the employment contract says so, in another agreed currency.

  4. Lodge the file early enough to absorb a rejection

    Wages for the previous month are due on the first day of each Gregorian month, and at least 85 per cent of the total wages due must be transferred on time. Monitoring starts on the due date itself, and notifications and alerts begin on the second day after it. A file lodged on the due date leaves no margin for a rejected record.

  5. Keep proof of payment, because escalation stops when payment is proven

    The published measures run "until payment is proven", so the evidence trail is the exit route from every step of the ladder. Keep the agent's confirmation, not just the internal payroll report.

  6. Treat a suspension as urgent, not administrative

    New work permits are suspended on the fifth day after the due date, with notice to the owner. That freezes hiring, transfers and renewals for the whole establishment while the shortfall stands, which is usually a larger commercial problem than the wage itself.

#Day 2 to day 21: exactly what escalates, and when

The consequences of a late wage are graduated rather than a single fine, and the graduation is by day and by headcount. The table below is the schedule the UAE Government Portal publishes and sources to Ministerial Resolution No. 340 of 2026. Two features of it are routinely lost in summaries. The severe steps at day 16 and day 21 are keyed to the number of affected workers — 25 and 50 respectively — and they aggregate across establishments owned by the same employer, so splitting a workforce across licences does not split the exposure. And several of them are triggered by repetition: reclassification into the Third Category applies where the violation is repeated within six months, and referral to the Public Prosecution where it is repeated within two consecutive months.

Measures for late or unpaid wages, published by the UAE Government Portal and sourced to MR 340 of 2026
WhenWhat happensWho it applies to
From the due date, until payment is provenElectronic monitoring of the establishment's compliance with paying its workers' wagesAll establishments
From the second day after the due date, until payment is proven or the next step is takenNotifications and alerts sent to the establishment to pay wagesNon-compliant establishments
On the 5th day after the due dateIssuance of new work permits suspended, with notice to the owner of the reason and a warning to payNon-compliant establishments
On the 11th day after the due dateThe administrative fine prescribed under Cabinet Resolution No. 21 of 2020, and reclassification into the Third Category under Ministerial Resolution No. 209 of 2022Non-compliant establishments where the violation is repeated within six months
On the 16th day after the due dateAutomatic registration of an individual or collective labour dispute for the affected workers, and suspension of work permitsEstablishments with 25 or more affected workers, including totals aggregated across establishments of the same owner in construction, transport and storage, security, cleaning, recruitment and domestic-worker recruitment
On the 21st day after the due dateAn executive instrument for payment where fewer than 50 workers are affected, or collective dispute procedures where 50 or more; precautionary attachment against the establishment; a travel ban on the person in charge; and notification of the Public Prosecution where more than 50 workers are affected on a violation repeated in two consecutive monthsEstablishments with 50 or more affected workers, aggregated across the same ownership in the sectors above, and any establishment regardless of size where there is a risk to the stability and regularity of the labour market

#How a worker reports an unpaid or late salary

An employee does not need to wait for the Ministry's monitoring to catch up. MoHRE operates a salary complaint service for private sector employees, alongside separate channels for collective complaints and for free zone establishments and similar organisations, and the UAE Government Portal directs workers with any concern about salary payment in the private sector to contact MoHRE or register a salary complaint. The Government Portal also publishes MoHRE's Labour Claims and Advisory Call Centre on the toll-free number 80084 for labour-related grievances and legal matters, and 600-590-000 for complaints by UAE citizens; both are MoHRE's own published numbers as they appear on u.ae on 17 August 2026, and neither is described as a WPS line.

What follows a complaint is set by the Labour Law and by Ministerial Resolution No. 47 of 2022 on the settlement of labour disputes and complaints procedures. Under Article 54 of Federal Decree-Law No. 33 of 2021 the Ministry examines the request and attempts an amicable settlement; if none is possible within 14 days, it refers the dispute to the competent court with a memorandum summarising the dispute, the parties' arguments and the Ministry's recommendation. Ministerial Resolution No. 782 of 2023 lets MoHRE decide the matter finally where the amount claimed is under AED 50,000 or where the parties settle, and requires referral to the judiciary above that figure where they do not.

Two details change the arithmetic of complaining. Article 55 of the Labour Law exempts workers and their heirs from judicial fees at every stage of litigation and execution for claims below AED 100,000. And Article 10 bars any claim for rights due after one year from the date of the violation, which makes a long wait the most expensive form of patience available.

What happens to the worker's status while the claim runs

A worker whose complaint is referred to court must register it with the competent court within 14 days of the referral being approved, must not work for another employer without a temporary work permit from the Ministry, and must apply to cancel the original work permit within 14 days of final judgment where the relationship has ended. Article 31 of Cabinet Resolution No. 1 of 2022 gives a worker who continues working for the employer while the referred dispute is in court the right to claim two months' wages. Where the complaint leads to the worker ceasing work, the work permit is cancelled six months after the referral.

Why no WPS helpline number appears on this page

There is no separate WPS helpline published on any source we could reach. MoHRE's own site did not respond to any request from our network on 17 August 2026, so we could not confirm whether one exists, and a support number copied from a competitor's blog is worse than no number — it is a number a worried person will actually dial. The numbers above are reproduced because the UAE Government Portal publishes them itself as MoHRE's labour claims and citizen complaint lines. If you need a WPS-specific line, take it from MoHRE's live contact page, not from here.

#Abu Dhabi, the free zones, DIFC and ADGM

There is no separate Abu Dhabi system. WPS is federal, run by MoHRE with the Central Bank, and it applies identically to an establishment registered with MoHRE in Abu Dhabi, Dubai, Sharjah or anywhere else in the country. Searches for a WPS company in Abu Dhabi are, in almost every case, searches for the federal system as it applies there, or for a payroll provider operating in that emirate — and this page recommends no provider, in any emirate.

The real boundary is registration, not geography. The obligation as the Government Portal states it attaches to establishments registered with MoHRE. Ordinary commercial free zones are not excluded from the Labour Law itself, and the entitlements described on our payroll pillar apply to their employees; but where a free zone authority rather than MoHRE registers the employment relationship, the wage-transfer mechanics are set by that authority's own arrangements. MoHRE's service directory carries a distinct complaints channel for free zone establishments and similar organisations, which is a useful confirmation that they are handled through a separate route. We name no zone's system and quote no zone's rules, because we could not read a primary source for any of them: ask your free zone authority which wage-protection system your licence obliges you to use, and get the answer in writing.

The two financial free zones are genuinely outside the federal Labour Law. The Dubai International Financial Centre applies DIFC Law No. 2 of 2019 and Abu Dhabi Global Market its own employment regime, so nothing on this page about MR 340 of 2026, the 85 per cent threshold or the escalation ladder describes an employee in either centre. We state nothing about how wages are monitored in DIFC or ADGM: difc.com returned HTTP 429 and ADGM's rulebook 403 to our requests, and an employment regime is not something to summarise from memory.

#WPS app, login, insurance, GCC and other searches that are not what they look like

A large share of WPS searching is people reaching for something adjacent. Answering those honestly is more useful than pretending each one is a feature of the system.

  • WPS login, website and app. There is no public WPS portal where an individual signs in to view their salary record. Employers interact with MoHRE through the Ministry's own website and app — the Government Portal points workers and employers to the MoHRE app on the App Store and Google Play — and with the system itself through their agent bank or exchange house. A worker's practical equivalent of a login is the salary complaint service.
  • WPS email. We publish no WPS email address. None is stated on any source we could reach, and MoHRE's site was unreachable when this page was written. Use the complaint services and the published call centre instead.
  • WPS compliance checks. There is no public lookup showing whether a given company is WPS-compliant. The observable proxy is indirect: an establishment that cannot obtain new work permits is under some form of suspension, and the fee an establishment pays for a work permit reflects its A, B or C classification, which in turn reflects its WPS record.
  • WPS insurance. WPS is a payment channel and carries no insurance component. The insurance a private sector employee actually has is separate: Federal Decree-Law No. 13 of 2022 created the unemployment insurance scheme, and the Government Portal lists an insurance system protecting private sector employees' and domestic workers' entitlements as a distinct reform from enforcing WPS. We state no premium or cover figure for either here.
  • WPS and the GCC. The system described on this page is a UAE federal system operated by MoHRE with the Central Bank of the UAE under a UAE ministerial resolution. It is not a GCC-wide scheme, and we make no statement about wage protection arrangements in other Gulf states because we read none of their primary instruments. GCC nationals working for a UAE private sector establishment are inside the UAE system in the ordinary way: they hold a UAE/GCC national work permit and appear on no published exclusion list.
  • WPS jobs. WPS is not a jobs board and publishes no vacancies. The question underneath the search is usually whether a prospective employer pays through the system — which every MoHRE-registered establishment must — and whether it does so on time, which is not published.
  • WPS issues. The failures that reach the Ministry are mostly registration mismatches and rejected files rather than refusals to pay. The system does not distinguish: a rejected file is a payment that did not arrive, and the escalation clock runs from the due date.
  • WPS calculators. There is nothing to calculate. WPS moves the wage the contract already fixes; it sets no rate. If you arrived here from a search combining WPS with a tax calculator, the two are unrelated — the Wages Protection System has nothing to do with VAT, and our tax calculators are a separate part of this site.
  • WPS updates. The 2026 update is Ministerial Resolution No. 340 of 2026 itself. The Government Portal's payment-of-salaries page was last updated on 12 August 2026; check it against the date at the top of this page before relying on either.

Sources and legal basis

This page relies on

  • Wages Protection System (WPS)
  • Ministerial Resolution No. 340 of 2026 concerning the Wage Protection System
  • Ministerial Resolution No. 43 of 2022 on the Wages Protection System (superseded)
  • Ministerial Resolution No. 346 of 2022 (amending MR 43 of 2022; superseded)
  • Ministerial Resolution No. 209 of 2022 (establishment classification, Third Category)
  • Cabinet Resolution No. 21 of 2020 (service fees and administrative fines at MoHRE)
  • Ministry of Human Resources and Emiratisation (MoHRE)
  • Central Bank of the UAE
  • Federal Decree-Law No. 33 of 2021 on the Regulation of Employment Relationships
  • Article 10 of the Labour Law (one-year bar on claims)
  • Article 54 of the Labour Law (individual labour disputes)
  • Article 55 of the Labour Law (exemption from judicial fees below AED 100,000)
  • Article 56 of the Labour Law (collective labour disputes)
  • Article 65 of the Labour Law (minimum rights and void waivers)
  • Cabinet Resolution No. 1 of 2022 (Implementing Regulation of the Labour Law)
  • Article 31 of Cabinet Resolution No. 1 of 2022 (status of a referred complaint)
  • Ministerial Resolution No. 47 of 2022 (settlement of labour disputes and complaints procedures)
  • Ministerial Resolution No. 782 of 2023 (individual labour complaints, AED 50,000 threshold)
  • Ministerial Resolution No. 543 of 2022 (administrative suspension of an establishment's file)
  • Salary Information File (SIF)
  • MoHRE salary complaint service (private sector employees)
  • MoHRE free zone establishments complaints service
  • MoHRE Labour Claims and Advisory Call Centre
  • Federal Decree-Law No. 13 of 2022 on Unemployment Insurance
  • DIFC Employment Law No. 2 of 2019
  • Abu Dhabi Global Market (ADGM)
  1. Payment of salaries/wages — the WPS rule, the 85 per cent threshold, the penalty table and the exclusion lists, sourced to Ministerial Resolution No. 340 of 2026 (updated 12 August 2026)The Official Portal of the UAE Government (u.ae)
  2. Ministerial Resolution No. (340) of 2026 Concerning the Wage Protection System — the primary PDF as linked by the Government Portal (host did not respond from our network on 17 August 2026)Ministry of Human Resources and Emiratisation
  3. Resolving labour disputes — Article 54 procedure, Ministerial Resolution No. 47 of 2022, Ministerial Resolution No. 782 of 2023 and the Labour Claims and Advisory Call CentreThe Official Portal of the UAE Government (u.ae)
  4. Work permits — WPS non-compliance as a ground to refuse, decline to renew or cancel a permit, and the A/B/C establishment classificationThe Official Portal of the UAE Government (u.ae)
  5. Protection of workers' rights — the page that still cites Ministerial Resolution No. 346 of 2022 amending MR 43 of 2022, and lists the free zone complaint channelThe Official Portal of the UAE Government (u.ae)
  6. My salary complaint — private sector employeesMinistry of Human Resources and Emiratisation
  7. Free zone establishments and similar organisations complaintsMinistry of Human Resources and Emiratisation
  8. Federal Decree-Law No. 33 of 2021 on the Regulation of Employment Relationships — English text (marked "not an official translation")UAE Government Portal (u.ae), courtesy translation of the Labour Law

Rates, thresholds and deadlines change. Every figure above is linked to the authority that publishes it — if the two ever disagree, the authority is right and this page is out of date. Tell us and we will fix it.

FAQ Answers to the questions people actually ask

Frequently asked questions

Is WPS mandatory in the UAE?

Yes. All establishments registered with the Ministry of Human Resources and Emiratisation must pay their employees' wages on the due date through the Wage Protection System, using a bank, exchange house or financial institution authorised by the Central Bank. There is no small-employer exemption. Only four categories of employer are excluded: UAE nationals owning fishing boats, UAE nationals owning public taxis, banks and financial institutions, and houses of worship.

What does WPS stand for in the UAE?

WPS stands for the Wages Protection System, also written as the Wage Protection System. It is an electronic salary transfer and monitoring database developed by the Central Bank of the UAE, through which private sector employers registered with the Ministry of Human Resources and Emiratisation pay wages, so that the Ministry can verify that wages were paid in full and on time.

Which law governs WPS in the UAE now?

Ministerial Resolution No. 340 of 2026 concerning the Wage Protection System. The UAE Government Portal cites it as the instrument under which wages are paid and as the source of the current penalty table. Most third-party guidance still quotes Ministerial Resolution No. 43 of 2022 and its amendment, Ministerial Resolution No. 346 of 2022. Checked 17 August 2026.

What is the fine for late WPS payment in the UAE?

No amount is stated here. The UAE Government Portal names Cabinet Resolution No. 21 of 2020 on service fees and administrative fines as the source of the administrative fine applied from the eleventh day after the due date, but publishes no figure with the WPS table, and the Resolution was not reachable from our network. Confirm the amount with MoHRE before budgeting for it.

What happens if a company does not pay salaries through WPS?

Escalating measures. Electronic monitoring runs from the due date, alerts start on the second day, and new work permits are suspended on the fifth. From the eleventh day an administrative fine and reclassification into the Third Category apply to repeat violations. Day 16 and day 21 add automatic dispute registration, precautionary attachment, a travel ban on the person in charge and referral to the Public Prosecution, by headcount.

Is there a WPS helpline in the UAE?

No dedicated WPS helpline is published on any source we could reach, and the Ministry's own site was unreachable when this page was written. The route that exists is a complaint. The UAE Government Portal directs private sector workers to MoHRE's salary complaint service, with separate channels for collective complaints and for free zone establishments, and publishes MoHRE's Labour Claims and Advisory Call Centre on 80084.

Does WPS apply in Abu Dhabi and in the free zones?

WPS is federal, so there is no separate Abu Dhabi system for establishments registered with the Ministry there. The boundary is registration, not emirate: where a free zone authority rather than the Ministry registers the employment relationship, that authority's own wage arrangements apply, and MoHRE runs a separate complaints channel for free zone establishments. DIFC and ADGM sit outside the federal employment law entirely.

What is a WPS agent in the UAE?

A bank, exchange house or financial institution authorised by the Central Bank of the UAE to provide the wage transfer service. The employer lodges a payroll file with its agent, the agent executes the transfers and transmits the payment record into the system, and the Ministry monitors compliance against that record. This page names no agents; ask the Central Bank or your bank which of its services is authorised.

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